User Guide

Welcome to the beta version of our app! We are excited to have you try it out and provide feedback.

This user guide is designed to help you navigate the features and functionality of the app. Please keep in mind that this is a beta version, so some features may still be in the development phase. However, we have made sure that the core functionality of the app is stable and ready for use.

We appreciate your patience and understanding as we work to improve the app and bring new features. Please feel free to contact us with any questions or feedback you may have. Thank you for being a part of the beta testing process!
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How to claim your cash back?

As you already may know, you will earn cash back on every purchase. After the purchase transaction has been settled with your bank and card provider, the cash back will become available to be claimed in the app.

1. Open the Benjamin app, and on the main screen, look for the 'cash back to be claimed' area, which has a list of cash back amounts you may now claim.

screenshot from the benjamin cash back app


2. To claim these cash backs all you need to do is to tap on the ‘Claim $***’ button. The dollar amount indicates how much cash back you earned from the purchase. 💰

After you claim the cash back, it will be promptly sent to your cash back wallet. Remember that you must have at least $25 in your cash back wallet before transferring funds to your bank account.

How to invite a friend to join Benjamin?

1. Open the Benjamin app and on the home screen you scroll down and you will see the ‘Invite your friends and get $15’ section click on this section.

screenshot from the benjamin cash back app

2. This will bring you to this screen, where you should click the 'invite friends' option.

screenshot from the benjamin cash back app

3. The invite friend button sends you to this screen, where you may copy your invite link to share with your friend or expose your QR code for them to scan.

screenshot from the benjamin cash back app

How do I invite businesses aka merchants to the app?

1. Open the Benjamin app and scroll down to the 'Invite merchants and earn a referral reward' section on the home screen. Click on this section.

screenshot from the benjamin cash back app

2. This will bring you to this screen, where you should click the 'invite merchant' button.

screenshot from the benjamin cash back app

3. The invite friend button sends you to this screen, where you may copy your invite link to share with your friend or expose your QR code for them to scan.

screenshot from the benjamin cash back app

How can I contact customer service?

At Benjamin, we understand the importance of good customer service.

We know that when you have a question or issue, you want it to be resolved quickly and efficiently. While we may not be a huge team yet, we are dedicated to providing the best customer service possible. Our customer service team is available to answer your questions and resolve any issues you may have as soon as possible. We value your feedback and are constantly working to improve our service.

1. Open the Benjamin app, and on the home screen, click the chat icon in the top right corner to access an interface where you can initiate a conversation with a customer service representative.

screenshot from the benjamin cash back app

How to link your credit or debit card

In order to take advantage of cash back rewards, it is required to link a credit or debit card to your account.

Linking your card to our app is an easy and secure way to earn cash back on your purchases. We have made the process simple and it only takes a few minutes. In this section of the user guide, you will find step-by-step instructions on how to link your card to your account after you have made a sign up.

1. Launch the Benjamin app and click the profile icon.

screenshot from the benjamin cash back app

2. This brings you to the screen, where you can then tap on My Cards to begin the process of linking your card.

screenshot from the benjamin cash back app

How to link your bank account

In order to take advantage of cash back rewards, it is required to link a credit or debit card to your account and also bank account.

Linking your card to our app is an easy and secure way to earn cash back on your purchases. We have made the process simple and it only takes a few minutes. In this section of the user guide, you will find step-by-step instructions on how to link your card to your account after you have made a sign up.

1. Launch the Benjamin app and click the profile icon.

screenshot from the benjamin cash back app

2. This brings you to the screen, where you can then tap on My Accounts to begin the process of linking your card.

screenshot from the benjamin cash back app

How to withdraw your cash back earnings

Withdrawing your cash back earnings from our app is simple and straightforward. Once you have earned cash back on your purchases, you can easily transfer the funds to your bank account. In this section of the user guide, you will find step-by-step instructions on how to withdraw your cash back earnings.

Please keep in mind that your cash back balance must be more than $25 before you can withdraw it to your bank account.

1. Open the Benjamin app and select the 'claimed cash back card' option from the home screen.

screenshot from the benjamin cash back app

2. This brings you to this screen, where you should click the 'withdraw' button to withdraw your earnings.

screenshot from the benjamin cash back app

3. The withdraw button takes you to this screen, where you must enter your PayPal information. Once you click withdraw, your withdrawal request will be processed.

screenshot from the benjamin cash back app

How to remove a merchant from the invite list

Open the Benjamin app and scroll down to the invite merchant and get referral reward section on the home screen to see a list of suggested merchants to invite. Simply swipe left or right to remove the merchant you want to remove.

screenshot from the benjamin cash back app

Where is my sign-up bonus and how I can find my sign-up bonus?

If you are eligible for the sign-up bonus you can find it from the app. It will not be visible right away in the home screen. You will find your sign-up bonus by following these simple steps.

Please keep in mind that your total cash back and sign-up bonus balance must be more than $25 before you can withdraw it to your bank account.

1. Click the "invite your friends and get $15" button on the Benjamin app's home screen to access the interface where you can view your invite history.

screenshot from the benjamin cash back app

2. You should find your sign-up bonus by clicking on the "Your invite history" text.

screenshot from the benjamin cash back app

What is Plaid and why Benjamin uses it?

Plaid is a financial technology company that provides a platform for users to connect and track their bank and credit card accounts.

Plaid's connection with Benjamin platform allows users to view their transaction history, account balances, and other financial information in one place. It is mainly used by fintechs and other financial services companies to provide their customers with a more convenient way to manage their finances and make better financial decisions.

Companies like Cash App, Current, Venmo and Dosh are using Plaid the same way as we do.

Is it safe to link your account to Benjamin with Plaid and how secure is my data?

Plaid uses some of the highest encryption protocols available when sending your financial data. This includes the Advanced Encryption Standard (AES 256) and Transport Layer Security (TLS). Plaid also uses multifactor authentication (MFA), which gives an added layer of security to the transmission of your financial data.

Why can't I connect my credit card, debit card or bank account with Plaid to Benjamin?

There are several reasons why you might not be able to connect your bank account to Plaid and Benjamin.

Some possible causes include:

-Your bank or credit card issuer is not supported by Plaid
-There are issues with your account login credentials
-There is a technical problem on the bank or credit card issuer's end
-Network connectivity issues
-Region limitations

If you are experiencing difficulty connecting your account, you can contact our support for assistance and make sure you are able to use your data in Benjamin as well.

Is all of my financial data accurate with Plaid and Benjamin?

Plaid uses screen scraping to gather financial data, and while the company takes steps to ensure the accuracy of the data, there is always a risk of inaccuracies due to errors in the scraping process or inconsistencies in how different banks and credit card issuers format their data. If you notice any inaccuracies in your data, please contact our support for assistance. Keep in mind that Benjamin uses the data from Plaid, so this could affect the insights and recommendations you get.

Why are some of my transactions delayed on Benjamin?

Transactions may be delayed on Benjamin due to delays on the bank's end or issues with the Plaid system which we use to connect to your bank account and gather the data. If you are experiencing delayed transactions, please contact Benjamin's customer support for assistance.

Why are some of my transactions missing on Benjamin?

Some transactions may be missing or delayed on Benjamin due to issues with the bank's systems or with the Plaid system.

It can sometimes take multiple days for some transactions to show up on the Benjamin app.

If you notice some missing transactions after 7 days, please contact Benjamin's customer support for assistance.

Why are my transactions not being properly categorized on Benjamin?

Incorrect transaction categorization may occur on Benjamin due to issues with the Plaid system or how transactions are tracked by the bank. If you notice any incorrect categorization of your transactions, please contact Benjamin's customer support for assistance.

Is all of my financial data accurate with Plaid and Benjamin?

Plaid uses screen scraping to gather financial data, and while the company takes steps to ensure the accuracy of the data, there is always a risk of inaccuracies due to errors in the scraping process or inconsistencies in how different banks and credit card issuers format their data. If you notice any inaccuracies in your data, please contact our support for assistance. Keep in mind that Benjamin uses the data from Plaid, so this could affect the insights and recommendations you get.

Why is my transaction history not up-to-date on Benjamin?

Your transaction history on Benjamin may not be up-to-date due to delays in updating the data from Plaid or the bank's systems.

Why is my transaction history not up-to-date on Benjamin?

Your transaction history on Benjamin may not be up-to-date due to delays in updating the data from Plaid or the bank's systems.

How many cards I can link to Benjamin Cash Back App?

You may attach as many cards as you like to your Benjamin Cash Back account. In fact, we always advise consumers to link all acceptable cards. You won't have to remember which one to use when shopping with one of our merchant partners!

Please allow at least 24 hours after linking your qualifying card(s) to confirm your card(s) have been registered with the Benjamin. If you make transactions with a freshly connected card before the 24-hour mark, you may not receive automatic cash back and will need to submit a missing cash back ticket.

Why haven't I received cash back from my purchase?

When using Benjamin, the process you must go through for online and in-store transactions is different. Here are some reasons why you may be experiencing issues with receiving your cash back:

Online Offers

There could be several reasons why you did not receive cash back for an online offer.

The most common instances are as follows:

1. Once you select an offer, you must go through the Benjamin Cash Back app using the Shop Now or Open button in an offer to access the participating merchant's site.

2. You must make your purchase with an eligible card that is linked to your Dosh wallet. We recommend that you connect all of your credit and debit cards to the app so you can take full advantage of any available Benjamin offers. That way you can use your enrolled cards interchangeably without having to remember a specific one to use!

3. If you use your PayPal account or other virtual wallet to purchase an online order, the purchase will not register within our system. Please make sure to pay directly with an eligible card that is linked to your Benjamin account.

4. Your qualifying online transaction did not clear with the credit card processor, therefore a notification was not sent to Benjamin. As a result, any cash back was invalidated OR  there was a change with your online order. If your order was returned, cancelled, or if the amount changed due to items being added, the cash back will show up as invalidated or "failed" in our system.

5. You linked your eligible card and immediately tried to use it for an online offer. Once you link your eligible card, it usually takes about 24 hours to register with our credit card partners .

6. The offer was removed or changed and therefore not valid at the time of purchase. Please make sure to check the app for any qualifying offers on the day of purchase to ensure your cash back.

7. You purchased an item that was excluded from the offer, have already received the maximum cash back allowed by the participating merchant offer, or paid with a card that is excluded from the offer. Make sure to review the rules of the offer.

You'll see any limits, exclusions, or daily caps that the merchant may have as part of their offer. This will help you to ensure your cash back!

10. The qualifying transaction hasn’t been processed yet on our end.

Although your transaction may have already cleared with your bank or credit card, the updates we receive are an entirely separate process. Once our system has received the necessary update from your credit/debitt card processor, you will receive your cash back. When this happens, you will no longer see "pending" in underneath your cash back amount, and the cash back will become available to claim.

Please note that It may take up to 7 days for a qualifying transaction to appear in your Benjamin account. Cash back may sometimes stay in a pending status for up to 90 days, depending on the participating merchant. As mentioned above, online offers may require up to 7 days for any cash back to be deposited into your Benjamin wallet.

Please allow for this timeframe to pass to ensure you receive your earnings. If it's exceeded 7 days, and you have not yet received your cash back please contact us through the chat icon from the app.

Wdo some investigation and work on crediting your account manually if needed. We will always try our best to get you your cash back!

Credit Card Purchases

Although our goal is to give you cash back automatically, sometimes it may take up to 7 days for the cash back to appear in your wallet. In some cases, a qualifying credit card transaction may take longer to process than other ones.

Sometimes the purchase may have also accidentally went to debit side of your card. The simplest method to determine if your purchase was a credit or debit transaction is to check at the top or bottom of the receipt, which should state was the transaction either credit or debit.


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